Commercial Insurance Solutions

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How we can help you protect your business

At Preferred Property & Casualty Insurance Agency Inc., we specialize in protecting contractors, real estate professionals, HOAs, and small business owners across California. With deep expertise and strong carrier relationships, we offer tailored commercial insurance solutions that go beyond the basics — helping you stay compliant, secure contracts, and protect what you’ve built.

General Liability Insurance

Protection for What You Didn’t See Coming

Covers third-party bodily injury, property damage, and advertising injury — essential for contractors, landlords, and businesses with public exposure. Meets licensing and contract requirements.

Business Owners Policy (BOP)

One Policy. Full Protection. Real Simplicity.

Combines general liability and property coverage into one policy. Ideal for small businesses looking for convenience and comprehensive protection.

Workers’ Compensation Insurance

Protect Your Team. Protect Your Business.

Provides coverage for medical expenses and lost wages after work-related injuries. Legally required in most cases — and vital for supporting your employees.

Commercial Auto Insurance

Coverage That Keeps You Moving

Protects vehicles used for business purposes — whether it's one van or a fleet. Includes liability, collision, and non-owned auto coverage.

Commercial Umbrella Insurance

When Standard Coverage Isn’t Enough

Extends your liability protection beyond the limits of other commercial policies. A smart choice for businesses with higher risk exposure.

Property & Construction Insurance

Built to Protect What You Build

Specialized protection for jobsite equipment, materials in transit, and commercial buildings — with solutions for builders risk, vacant properties, and more.

Executive & Professional Liability

Safeguard Your Decisions & Advice

From directors & officers to professional liability (E&O), this coverage protects against lawsuits related to management decisions and professional services.

Digital & Operational Risk Insurance

Coverage for the Modern Risk Landscape

Cyber liability, tech errors & omissions, and business interruption — designed for companies operating in today’s digital, data-driven world.

Crime & Specialty Risk Insurance

Guard Against Fraud, Theft, and Targeted Threats

Protects against internal and external criminal activity — including employee dishonesty, forgery, and theft of money, securities, or property.

Aviation Insurance

Specialized Protection for Private & Commercial Aircraft

Liability and hull coverage for pilots, aircraft owners, and aviation businesses. Tailored to the specific needs of California-based aviation clients.

Ready to Protect What You’ve Built?

Let us help you find the right insurance for your business. Get a fast, personalized quote from a team that knows your industry.